The Most Overlooked Underwriting Step in Hard Money Lending: Exit Strategy - #312
Release Date: 12/10/2025
Why We’ve Been Doing So Many Hard Money Refinances Lately - #323
Private Lenders' Podcast
Wanna work with us? Schedule a call here: Why We’ve Been Doing So Many Hard Money Refinances Lately - #323 Why are hard money refinances suddenly everywhere? In this episode of the Private Lenders Podcast, Chris and Jason break down the recent private lending refinance boom—what’s driving it, why it’s different from traditional refi cycles, and how private and hard money lenders can capitalize on these opportunities while managing risk. Unlike conventional refinance booms fueled by low interest rates, today’s surge in hard money and private lending refinances is being driven by...
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Why Private Lending is our Favorite Business Model - #322
Private Lenders' Podcast
Wanna work with us? Schedule a call here: Why Private Lending is our Favorite Business Model - #322 Private lending on investment real estate is our favorite business model — and in this episode of the Private Lenders Podcast, hosts Jason and Chris of Hard Money Bankers break down exactly why. After years of experience across real estate investing, conventional lending, and other business models, Jason and Chris explain what makes private and hard money lending such a powerful, scalable, and fulfilling business. From strong cash flow and recurring income to lifestyle flexibility and working...
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How to Structure Capital for a Successful Hard Money Lending Company - #321
Private Lenders' Podcast
Wanna work with us? Schedule a call here: How to Structure Capital for a Successful Hard Money Lending Company - #321 The way you structure capital can make or break a hard money lending business. In this episode of the Private Lenders Podcast, hosts Jason and Chris of Hard Money Bankers break down the most common capital structures used by private and hard money lenders — and the real pros and cons of each. From brokering loans and institutional correspondent models, to bank credit lines and private capital from high-net-worth investors, this episode explains how each option impacts...
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The Exact Loan Documents We Use as Private Lenders
Private Lenders' Podcast
Wanna work with us? Schedule a call here: The Exact Loan Documents We Use as Private Lenders A bad loan document set can turn a good deal into a nightmare. In this episode of the Private Lenders Podcast, Jason from Hard Money Bankers breaks down the exact loan documents we use as private lenders—refined through funding 4,000+ loans since 2007. You’ll learn the purpose of core private lending documents, including the promissory note, mortgage vs. deed of trust, personal guarantees, assignments of rents, entity resolutions, and supporting docs used in real-world lending. Jason also explains...
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The Team You Need at $5M, $15M, and $25M+ (Most Get This Wrong) - #320
Private Lenders' Podcast
Wanna work with us? Schedule a call here: The Team You Need at $5M, $15M, and $25M+ (Most Get This Wrong) - #320 What does the right team actually look like as your private lending business grows? 🤔 In this episode of the Private Lenders Podcast, Chris and Jason break down the exact team structure private and hard money lenders need at key portfolio milestones — $5M, $15M, and $25M+ outstanding — and why so many lenders get this wrong. If you’ve ever asked: Who should my first hire be? When do I need loan servicing software? What roles should owners vs. employees handle? How...
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The Biggest Mistakes Lenders Make When Scaling with Loan Originators - #319
Private Lenders' Podcast
Wanna work with us? Schedule a call here: In this episode of the Private Lenders Podcast, we break down the biggest mistakes lenders make when scaling with loan originators—and why adding originators the wrong way can stall growth and drain profits. After 20+ years in private lending, we’ve tested nearly every structure imaginable: commission-only originators, W2 sales reps, internal leads, outsourced brokers, and full partnership models. Some worked. Many failed. In this episode, we cover: Why most commission-only originator models fail Internal leads vs. self-sourced...
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Kevin Kim’s 2026 Predictions Might Surprise You - #318
Private Lenders' Podcast
Kevin Kim’s 2026 Predictions Might Surprise You - #318 Chris and Jason welcome back Kevin Kim, Partner at Fortra Law (formerly Geraci LLP), for a timely conversation on what’s ahead for private lending, hard money lending, and DSCR loans in 2026. Kevin shares insights from working with lenders of all sizes and breaks down how excess capital, increased competition, and securitization are reshaping the industry—and why some lenders are thriving while others are struggling. 🔑 Topics discussed: Kevin Kim’s 2026 predictions for private lenders Why lenders should stick to their core...
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3 Ways to Increase Revenue in 2026 - #317
Private Lenders' Podcast
3 Ways to Increase Revenue in 2026 - #317 Looking to make more money in your private or hard money lending business in 2026? In this episode of the Private Lenders Podcast, hosts Jason and Chris from Hard Money Bankers break down three proven ways to increase revenue right now—without chasing more leads just for the sake of it. This episode focuses on practical, real-world strategies that experienced lenders are using today to boost profitability, improve loan conversion, and maximize returns from both new and existing borrowers. 🔑 In This Episode, You’ll Learn: ✅ Why most lenders...
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This is common sense but no hard money lenders are doing this (Convert Leads into Loans)
Private Lenders' Podcast
This is common sense but no hard money lenders are doing this (Convert Leads into Loans) In this episode of the Private Lenders Podcast, Jason breaks down the proven strategies hard money and private lenders must use to convert more leads into funded loans in today’s competitive lending market. Generating leads costs time and money — but losing deals to institutional lenders or competitors because of poor follow-up, weak systems, or bad communication is completely avoidable. In this training-style episode, you’ll learn the exact loan conversion framework used every day inside a...
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We Didn’t Plan to Share These… 3 Stories From 2025 - #316
Private Lenders' Podcast
We Didn’t Plan to Share These… 3 Stories From 2025 - #316 Wrapping up 2025, hosts Jason and Chris of Hard Money Bankers share three real, unfiltered stories from the trenches of private and hard money lending—the kind of situations every lender eventually faces, but few talk about openly. From a multi-lender fraud and title insurance claim that took 18 months to resolve, to managing long-term commercial borrowers with trapped equity, to structuring creative low-LTV loans for high-net-worth investors, this episode highlights the unpredictable realities of private lending and why slow,...
info_outlineThe Most Overlooked Underwriting Step in Hard Money Lending: Exit Strategy - #312
In this episode of the Private Lenders Podcast, Jason Balin and Chris Haddon break down the most overlooked underwriting step in hard money lending: the borrower’s exit strategy.
Whether you’re a private lender, hard money lender, or active real estate investor, understanding how your borrower plans to pay off your loan is one of the most critical pieces of the underwriting process—and also the one most lenders get wrong.
With over 4,000 funded deals, Jason and Chris share real examples from their portfolio, including:
✔️ Why refinance exits fail more often than borrowers admit
✔️ The red flags you should look for before approving a loan
✔️ Why credit repair + “I’ll just refinance later” is rarely a viable plan
✔️ How inherited properties and unsophisticated borrowers add hidden risk
✔️ Why mixed-use and commercial deals require longer timelines and lower LTVs
✔️ What addendums and upfront agreements can do to protect your position
✔️ How to avoid loans that get stuck on your books—and become expensive nightmares
From borrower psychology to collateral type to real-world case studies (including foreclosures, bankruptcies, and inherited properties gone wrong), this episode pulls back the curtain on how seasoned lenders underwrite exits before writing a term sheet.
Whether you're building your private lending business or tightening up your underwriting process, this conversation will help you protect your capital, reduce defaults, and build a cleaner, more profitable loan portfolio.
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